I'm the opposite. I can't imagine having a spouse that I trust so much that it would have zero chilling effect on my personal spending decisions if they could

I'm the opposite. I can't imagine having a spouse that I trust so much that it would have zero chilling effect on my personal spending decisions if they could audit every trivial thing I spend on. Just as importantly, I can't imagine that I would have zero chilling effect on my spouse either. So even if they preferred a joint account, I'd insist _they_ have a private account that I couldn't see as well, and that it had some liquidity in it. It is important to me that my spouse feels as free as possible, and that they have some personal life which is just for themselves, outside of my view.